Type your address. We'll look for three things: PMI you can probably cancel, escrow money your lender is sitting on, and rate drops worth asking about. No credit pull, no SSN.
About a minute. No card, nothing to sign.
Available to homeowners nationwide.
Three steps. About a minute. Free during pilot.
We pull your home's value, recent nearby sales, and your tax history from public records.
No account, no credit check, just the address.
Down payment, interest rate, the year you bought, and the company that bills you each month. About thirty seconds.
Rough numbers are fine — nothing to link, nothing to download.
A one-pager of what looks worth chasing — dropping mortgage insurance, clawing back overpaid escrow, refinancing — with a draft letter to your servicer if there's something to send.
Free during pilot. Yours to keep.
Estimate only. TrueOwn doesn't guarantee PMI removal, escrow refunds, or refi savings. Your servicer or lender makes the final call.
$1,500–$2,500/year
Most homeowners who put less than 20% down pay an extra monthly fee called PMI (private mortgage insurance). Once you've paid down enough — or your home has gained value — federal law (the Homeowners Protection Act) generally lets you cancel it. Most people never ask.
$50–$300
Your lender holds money each month to pay your taxes and insurance — that's your escrow account. Federal rules limit how much they can keep in reserve. Many hold too much. We spot it and help you get the difference back.
$50–$200 per occurrence
Your lender uses your escrow money to pay your property taxes. When they pay late, the late fee is on them — not you. We catch it so you can get reimbursed.
Checked daily
We watch the market every day. If refinancing actually pencils out after fees, we'll tell you.
Ranges are estimates based on industry data; actual savings depend on your loan, the company that services it, and your current home value. TrueOwn outputs are estimates and drafts, not legal or financial advice.
See which apply to your homeOne dashboard, checking your loan every day. Here's what'll make it ping you.
A higher home value can be the moment you may be in range to request PMI removal from your mortgage company. We see it the day it happens.
We watch the market every day. If refinancing actually saves you money after fees, we tell you.
Late tax payments, escrow overages, billing errors. We flag them so you can ask for a refund.
Payments that don't match your amortization, escrow that drifts, statements that disagree with your loan. We catch the errors.
Most mortgages quietly leak money.
Not because they're careless. Because nobody's watching. Mortgage insurance keeps charging after you no longer need it. The money your lender holds for taxes and insurance — your escrow — sits there even when it's more than they need. Rates drop and nobody tells you. By the time you notice, you've already paid for it.
TrueOwn watches your mortgage every day and tells you when it's time to act.
Grounded in the same federal rules every U.S. servicer already follows: HPA and RESPA Regulation X.
Outputs are estimates and drafts — not legal or financial advice. Every signal links back to the data we read so you can decide what to do with it.
Last reviewed
You've seen what we look for. Now see which of them apply to yours. About a minute, no card, no credit pull.
Available to homeowners nationwide.
